Nikki is a Partner in Osborne Clarke’s financial institutions group, specialising in the regulation of financial services offered to consumers and small-businesses, including credit, payments and insurance.

Nikki is experienced in advising on the impact of Financial Conduct Authority regulation in a variety of sectors including retail banking, asset finance and digital business. She advises on the full range of conduct of business requirements affecting the provision of regulated products and services to consumers and small-businesses from consumer credit law to insurance mediation to payment services. She drafts terms and conditions for a wide range of products including current and savings accounts, credit cards, regulated hire products and PCP products, working with banks, building societies, asset finance providers, credit card issuers, payday lenders and with retail point of sale finance providers.

Nikki has also advised a wide range of businesses on compliance with the Consumer Rights Act 2015, both in relation to consumers’ rights against traders for the supply of goods, digital content or services and in relation to the fairness of terms in consumer contracts.

Nikki is described in Chambers and Partners as “having a wealth of experience on regulatory issues, consumer credit and insurance. Clients say she is ‘able to provide advice in a way that the business is likely to understand.”

Nikki joined Osborne Clarke in 2017, having previously been a Partner at Addleshaw Goddard. She spent 11 years working in-house in the consumer credit industry, including 2 years in a business role managing large-scale remediation exercises.